影響消費者使用冷錢包簽帳卡之研究

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姓名	張正民(Cheng-Min Chang) 查詢紙本館藏	畢業系所	資訊管理學系在職專班
論文名稱	影響消費者使用冷錢包簽帳卡之研究 (Exploring consumer adoption of cold crypto-wallet debit cards)
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摘要(中)	本研究以科技接受模式將內部變項之「認知有用性」、「認知易用性」、「使用態度」、「使用意圖」做為研究構面，並設計構面因子，以探討影響消費者使用冷錢包簽帳卡的各個面向。透過研究背景與研究動機，本研究目的如下： 1. 了解消費者使用冷錢包簽帳卡意願。 2. 了解消費者使用冷錢包簽帳卡認知有用性。 3. 了解消費者使用冷錢包簽帳卡認知易用性。 4. 了解消費者使用冷錢包簽帳卡在認知有用性與認知易用性下是否影響其使用態度與使用意圖。本研究透過Google表單問卷系統發送，總計回收有效問卷112份。研究結果顯示，冷錢包簽帳卡在科技接受模式的構面中，認知易用性對認知有用性、認知易用性對使用態度、認知有用對使用態度、認知有用性對使用意圖、使用態度對使用意圖，皆具有正面顯著的影響。以「冷錢包+簽帳卡」架構串接加密貨幣數位資產與法定貨幣下，冷錢包簽帳卡可將Web 3.0環境中的加密數位貨幣交割、轉換為法定貨幣，並經由BIN sponsor所提供的簽帳功能，作為在實體世界刷卡交易的工具，大幅度提升虛擬貨幣等數位資產持有者在現實生活中使用的便利程度，可說是嫁接數位資產與法定貨幣資產的最後一哩路。透過此研究可以了解影響消費者使用冷錢包簽帳卡有哪些面向可以著重，以利於未來的推廣發行。
摘要(英)	This study employs the Technology Acceptance Model (TAM), using the internal variables of "perceived usefulness," "perceived ease of use," "attitude towards use," and "behavioral intention to use" as research dimensions. These dimensions are designed as factors to explore the various aspects influencing consumers′ use of cold crypto-wallet debit cards. Through the research background and motivation, the objectives of this study are as follows: 1. To understand consumers′ willingness to use cold crypto-wallet debit cards. 2. To understand consumers′ perceived usefulness of cold crypto-wallet debit cards. 3. To understand consumers′ perceived ease of use of cold crypto-wallet debit cards. 4. To understand whether perceived usefulness and perceived ease of use affect consumers′ attitude towards use and behavioral intention to use cold crypto-wallet debit cards. The study collected data through the Google Forms survey system, yielding a total of 112 valid responses. The research results indicate that in the dimensions of the Technology Acceptance Model for cold crypto-wallet debit cards, perceived ease of use positively and significantly affects perceived usefulness, perceived ease of use positively and significantly affects attitude towards use, perceived usefulness positively and significantly affects attitude towards use, perceived usefulness positively and significantly affects behavioral intention to use, and attitude towards use positively and significantly affects behavioral intention to use. The "cold crypto-wallet + debit card" framework connects digital assets in cryptocurrencies with fiat currencies. Cold crypto-wallet debit cards can convert cryptocurrencies into fiat currencies within the Web 3.0 environment. With the debit function provided by the BIN sponsor, these cards can be used for transactions in the physical world, significantly enhancing the convenience for holders of digital assets such as virtual currencies in real life. This can be considered the final step in bridging digital assets and fiat assets. Through this research, we can understand what aspects influence consumers to use cold crypto-wallet debit cards that can be focused on to facilitate future promotion and issuance.
關鍵字(中)	★ 加密貨幣錢包 ★ 冷錢包 ★ 區塊鏈 ★ 冷錢包簽帳卡 ★ 冷錢包資安	關鍵字(英)	★ cryptocurrency wallet ★ cold crypto-wallet ★ blockchain ★ cold crypto-wallet debit card ★ cold crypto-wallet security
論文目次	摘要 i Abstract ii 誌謝 iii 目錄 iv 圖目錄 vii 表目錄 viii 一、緒論 1 1-1 研究背景與動機 1 1-1-1 研究背景 1 1-1-2 研究動機 4 1-2 研究目的 5 1-3 研究流程 6 二、文獻探討 9 2-1加密貨幣錢包與簽帳卡 9 2-1-1加密貨幣錢包發展 9 2-1-2簽帳卡發展 13 2-2加密貨幣錢包與簽帳卡資安問題 13 2-2-1加密貨幣錢包資安問題 13 2-2-2簽帳卡資安問題 15 2-3冷錢包簽帳卡金融現況 16 2-3-1冷錢包簽帳卡的交易 16 2-3-2冷錢包水庫來自加密貨幣交易所 16 2-3-3冷錢包簽帳卡的金流 17 2-4 科技接受模式定義與應用 18 2-4-1 科技接受模式定義 18 2-4-2 科技接受模型變數說明 20 2-4-3 TAM與加密貨幣研究應用進程 21 三、研究方法 24 3-1 研究架構 24 3-2 研究假說 24 3-3 測量工具 25 3-3-1研究樣本 25 3-3-2問卷設計 25 3-4 統計分析應用 27 3-4-1描述統計分析 27 3-4-2信度分析 27 3-4-3收斂效度分析 28 3-4-4 Bartlett′s球型檢定及KMO 28 3-4-5 Pearson 相關分析 29 3-4-6線性迴歸分析 29 四、結果與分析 30 4-1計數分析 30 4-1-1單選題 30 4-1-2複選題交叉分配表與卡方分配 32 4-2描述性統計 36 4-3信度分析 37 4-4因素收斂分析 38 4-4-1 KMO 與 Bartlett 檢定 38 4-4-2主成分分析 39 4-4-3以負荷量縮減尺度 39 4-5皮爾森相關分析 40 4-6迴歸分析 41 4-6-1認知易用性對認知有用性迴歸分析 41 4-6-2認知易用性對使用態度迴歸分析 43 4-6-3認知有用性對使用態度迴歸分析 44 4-6-4認知有性對使用意圖迴歸分析 45 4-6-5使用態度對使用意圖迴歸分析 46 五、結論 47 5-1 研究結果 47 5-2 研究貢獻 48 5-3管理意涵 48 5-4研究限制 49 5.5未來研究 50 參考文獻 51 附錄 55 一、冷錢包簽帳卡 TAM問卷調查選擇題 56 二、冷錢包簽帳卡 TAM問卷調查感知題項 57
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指導教授	蔡志豐周恩頤	審核日期	2024-7-23
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